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Fraud Prevention Best Practices
Friday March 20, 2015
posted by KNB
Tags: Customer Education 


  • Be suspicious of e-mails claiming to be from a financial institution, government department or any other agency requesting account information, account verification, or banking access credentials such as usernames, passwords, PIN codes and similar information. Opening file attachments or clicking on Web links in suspicious e-mails could expose your system to malicious code that could hijack your computer.
  • Never respond to a suspicious e-mail or click on any hyperlink embedded in a suspicious e-mail:
  • Call the purported source if you are unsure who sent the e-mail.
  • If an e-mail claiming to be from a bank seems suspicious, check with your financial institution.
  • Never provide sensitive or personal information in response to an e-mail message, even if it appears to be from your financial institution.
  • Install a dedicated, actively managed firewall, especially if using a broadband or dedicated connection to the Internet, such as DSL or cable. A firewall limits the potential for unauthorized access to your network and computers.
  • Install anti-virus and spyware detection software on all of your computer systems. Free software may not provide protection against the latest threats compared with an industry standard product.
  • Check your settings and select at least a medium level of security for your browsers.
  • Ensure virus protection and security software are updated regularly.
  • Never share username and password information with third-party providers.
  • Ensure computers are patched regularly, particularly operating systems and key applications, with security patches.
  • Do not use account numbers, social security number or other account or personal information when creating account nicknames or other titles.
  • Do not open e-mail from unknown sources.
  • Do not use public or other unsecured computers for logging into internet banking.
  • Avoid using automatic login features that save usernames and passwords for internet banking.
  • Never leave a computer unattended while using internet banking.
  • Never conduct banking transactions while multiple browsers are open on your computer.
  • Create a strong password with a minimum of eight characters that includes a combination of mixed case letters, numbers and special characters.
  • Change your password frequently.
  • Always check the last login date/time every time you log in.
  • Take advantage of automated alerts; examples include:
  • Passwords are changed
  • E-mail addresses are changed
  • Balance exceeds or drops below a certain level
  • Weekly and daily available balance
  • Whenever possible, use Bill Pay in lieu of checks to limit account number exposure and obtain better electronic record keeping.

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